The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$2,443
−HK$153/mo
▼ 0.25% · 3.875%
HK$2,519
−HK$77/mo
Today · 4.125%
HK$2,596
baseline
▲ 0.50% · 4.625%
HK$2,754
+HK$158/mo
Deposit HK$536K · loan HK$536K · min. income ≈ HK$5,192/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,717
−HK$147/mo
▼ 0.25% · 3.875%
HK$2,790
−HK$74/mo
Today · 4.125%
HK$2,864
baseline
▲ 0.50% · 4.625%
HK$3,015
+HK$151/mo
Deposit HK$536K · loan HK$536K · min. income ≈ HK$5,728/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$2,931
−HK$184/mo
▼ 0.25% · 3.875%
HK$3,022
−HK$93/mo
Today · 4.125%
HK$3,115
baseline
▲ 0.50% · 4.625%
HK$3,304
+HK$189/mo
Deposit HK$428K · loan HK$643K · min. income ≈ HK$6,230/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,261
−HK$176/mo
▼ 0.25% · 3.875%
HK$3,348
−HK$89/mo
Today · 4.125%
HK$3,437
baseline
▲ 0.50% · 4.625%
HK$3,618
+HK$181/mo
Deposit HK$428K · loan HK$643K · min. income ≈ HK$6,874/mo (50% DSR)
Upfront cash ≈ HK$429K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,420
−HK$214/mo
▼ 0.25% · 3.875%
HK$3,526
−HK$108/mo
Today · 4.125%
HK$3,634
baseline
▲ 0.50% · 4.625%
HK$3,855
+HK$221/mo
Deposit HK$321K · loan HK$750K · min. income ≈ HK$7,268/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,804
−HK$206/mo
▼ 0.25% · 3.875%
HK$3,906
−HK$104/mo
Today · 4.125%
HK$4,010
baseline
▲ 0.50% · 4.625%
HK$4,221
+HK$211/mo
Deposit HK$321K · loan HK$750K · min. income ≈ HK$8,020/mo (50% DSR)
Upfront cash ≈ HK$321K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,397
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,533
−HK$139/mo
Today · 4.125%
HK$4,672
baseline
▲ 0.50% · 4.625%
HK$4,957
+HK$285/mo
Deposit HK$107K · loan HK$964K · min. income ≈ HK$9,344/mo (50% DSR)
Upfront cash ≈ HK$107K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,891
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,022
−HK$133/mo
Today · 4.125%
HK$5,155
baseline
▲ 0.50% · 4.625%
HK$5,427
+HK$272/mo
Deposit HK$107K · loan HK$964K · min. income ≈ HK$10,310/mo (50% DSR)
Upfront cash ≈ HK$107K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).